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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $30,935 |
Service code 13 · EIN 11-3271022 111 EXPRESS STREET · PLAINVIEW, NY 11803 | Contract Administrator | $3,687 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $152,766 | $65,027+134.9% | $90,970+67.9% | $79,852+91.3% |
| Participation rate | 37.9% | 61.6%-23.7pp | 69.0%-31.1pp | 69.6%-31.7pp |
| Annual return | 16.10% | 30.45%-14.4pp | 134.58%-118.5pp | 31.72%-15.6pp |
| Employer contribution / active EE | $1,309 | $1,247+4.9% | $2,122-38.3% | $2,471-47.0% |
| Participant deferral / active EE | $4,008 | $2,512+59.6% | $3,373+18.8% | $3,740+7.2% |
| Admin fee / account holder | $524 | $4,535-88.4% | $5,960-91.2% | $5,306-90.1% |